How I work:

  • My approach is very similar to that of your local handyman. I solve financial related problems and complete specific projects. I quote you for this work and endeavour to complete the assigned task or project within the quoted amount.

  • As with any contractor, after I get to work, sometimes I discover other items or areas which need attention. I will bring your awareness to these concerns and will fully disclose any additional costs which may be needed to address them.

  • I take a more segmented approach to financial planning, attempting to tackle specific issues or concerns that are front of mind versus a more comprehensive and more costly Full Financial Plan.

  • A Full Financial Plan is always available, if desired.

  • I am only compensated by my fees. I do not receive any hidden commissions or sell any products. I do not manage investments on behalf of clients nor do I collect referral fees from product providers I might recommend.

  • I am a Certified Financial Planner (CFP) and as such, I am governed by Professional Standards and a Code of Ethics.

  • As I am no longer licensed to sell securities, the investment advice and recommendations I provide are more general in nature such as: appropriate risk tolerance and asset allocation, fee assessment, platform and product analysis, investment education, DIY tips etc. I do not provide individual security advice or recommendations (buy this, sell that). I do not manage investments.

Typical Clients have had…

  • Debt to pay off;

  • Cashflow management struggles;

  • A wish to improve education on investments, insurance products or debt instruments;

  • A desire to reduce investing costs or establish a DIY portfolio;

  • A lack of confidence utilizing the retirement tools available (RRSP vs. TFSA);

  • Uncertainty about their retirement readiness;

  • Decisions to make around when to start collecting pensions;

  • A goal of purchasing their first home;

  • Opportunities to draw down RRSP’s in a tax efficient way;

  • Adult children who need help with a financial plan or establishing goals;

  • A relationship with the same bank or advisor for several years and would simply like a truly unbiased, second opinion for peace of mind without fear of being sold anything;

  • A good grasp on personally managing their finances but would like someone to review their numbers or to bounce ideas off of periodically;

  • A need for a little hand holding to assist with more major life decisions and their financial impact - marriage, kids, or retirement;

  • Singles who would like to have someone in their corner whom they can trust, to speak with periodically about financial matters;

  • A good household income but don’t seem to be any closer to achieving their financial goals.

Services